Jefferson City, MO · Cert 28276
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jefferson City, MO · Cert 28276
FDIC · 1 branch
Q2 2016
Market Position · Jefferson City, MO · 2016 SOD (annual) · 0.5% share · #20 of 23 inst. · $0.0B of $4.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | -0.75% | -1.97% | -1.34% | -2.93% | -219 bps | |
| Return on Equity | -8.83% | -9.06% | -24.68% | -20.21% | -47.10% | -3,827 bps | |
| Net Interest Margin | 2.88% | 2.87% | 2.86% | 2.88% | 2.94% | +6 bps | |
| Efficiency Ratio | 127.78% | 128.25% | 131.48% | 143.32% | 234% | +10,581 bps | |
| Non-Interest Burden | 3.78% | 3.78% | 3.90% | 4.21% | 5.89% | +211 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.51% | -3.11% | -2.33% | -3.66% | -4.39% | -89 bps | |
| Loan Growth (YoY) | -3.69% | -5.33% | -2.80% | 1.37% | 3.44% | +713 bps | |
| Deposit Growth (YoY) | -2.96% | -2.79% | -0.59% | -1.74% | -1.44% | +152 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.02% | -0.02% | -2 bps | |
| Allowance / Loans | 1.18% | 1.21% | 1.17% | 1.17% | 1.15% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.19% | 6.96% | 6.71% | 6.42% | 5.38% | -181 bps | |
| Total Risk-Based Capital | 13.70% | 13.41% | 12.58% | 12.10% | 10.57% | -313 bps | |
| Equity / Assets | 8.18% | 8.07% | 6.75% | 6.49% | 5.42% | -277 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.17% | 77.10% | 79.74% | 80.68% | 82.04% | +387 bps | |
| Liquid Assets / Assets | 12.21% | 12.30% | 12.62% | 10.68% | 8.53% | -368 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |